Tuohi Mastercard in brief

  • The credit limit is 2,000–10,000 euros.
  • The interest rate is the 3-month Euribor + 14%.
  • You will get an interest-free payment period of 30 days on average for all your purchases. 
  • No opening or annual fee, and the account management fee of 5 euros is only charged when you have an outstanding credit balance.
  • You are entitled to two instalment-free months a year.

Tuohi Mastercard PriceGuard Insurance

Tuohi Mastercard includes the free PriceGuard Insurance which, in accordance with its terms and conditions, will compensate for the difference if you find the same item at a lower price somewhere else within 30 days of your purchase. 

The insurance covers any purchases you make with your Tuohi Mastercard, except for the items you purchase in-store when the credit card is issued to you, as set in the insurance terms and conditions.

How to apply

You can apply for this card with Nordea Finance’s online application and at the shops of our cooperation partners. You can apply for a Tuohi Mastercard if you are 18 or older and have

  • a regular income
  • a good payment history
  • a clean credit record.

You will also need to reside permanently in Finland.

You don’t need to be a Nordea customer to apply for a Tuohi Mastercard.

Choose the payment method you prefer

Contactless payment with smartphone or smart watch - small

With the contactless payment feature you can pay your purchases of less than 50 euros securely, without having to touch the payment terminal.

Alternatively, you can add your card to your phone, smart watch or other wearable for mobile payments. You can also make mobile payments exceeding 50 euros with your phone.

Your card works abroad as well. You can withdraw cash all over the world at ATMs carrying the Mastercard logo. 

Managing your credit card is easy online

Card and desk calendar - small

You can pay your purchases in instalments and transfer cash from the credit facility to your bank account. 

Your credit card transactions will be included in an invoice that you will receive monthly. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the amount of credit left unpaid after the due date. 

Keep track of your credit card transactions in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can use our OmaLuotto service (www.nordeafinance.fi/en/omaluotto) to view your available balance and to transfer cash from your credit facility to your bank account. 

Credit interest
Prices
Prices for cards issued before 1.9.2019
Your rights when making payments in Europe

Indicative annual percentage rate

TUOHI Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27,9 %, and the price of credit is 1,710 euros,when the nominal interest is the 3-month Euribor (01/2024) + 14 % and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. Tuohi is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Prices for Tuohi Mastercard from 1.9.2019

Prices for Tuohi Mastercard

Annual feePrice
Tuohi Mastercard -card0,00 €
Paralell card0,00 €

Additional servicesPrice
MasterCard queries in Netbank, Mobile Bank and in eService per month0,00 €
Service fee for an express order of MasterCard10,00 €
Transaction query at Otto.ATMs, per query  1,50 €
Reorder of card PIN (delivery by post)7,00 €
Checking card PIN in Netbank and Mobilebank
0,00 €
Change of credit limit0,00 €
Change of repayment schedule0,00 €
Transfer from credit cardInterest-bearing as of the transfer date
Printed credit card invoice/per invoice3,00 € 
Change or renewal of card during its validity10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €

Cash withdrawals in FinlandPrice
Cash withdrawals from bank account in Finland at a branch0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

0,00 € 

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal1,00 €
Cash withdrawals from card credit in Finland at ATMs per withdrawalInterest-bearing as of the drawdown date

Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month

Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal

0,00 €

1,00 €

Cash withdrawals in euros at ATMs from credit account in the EEA Member States 

Interest-bearing as of the drawdown date

Cash withdrawals in euros from credit account at branches in the EEA Member States 

Cash withdrawals in euros from bank account in the EEA Member States  

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals in currencies other than the euro from credit account at branches and/or ATMs in the EEA Member States and outside the EEA

Cash withdrawals in currencies other than the euro from bank account at branches and/or ATMs in the EEA Member States and outside the EEA

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark0,00 €

Fees related to account maintenancePrice 
The fee related to account maintenance/per month in case of outstanding debt or transactions5,00 €

Transaction feesPrice
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro2,25 %
*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction. For more information, see foreign currency card transactions.Opens new window

Frequently asked questions about the Tuohi Mastercard

Instructions and advice

You choose the features of your card when you apply for it, but you can change them later by yourself.

For instance, you can change the amount you repay every month as well as the instalment-free months and the payment date in Nordea Mobile. If you want to apply for a raise to your credit limit, you can do it in Nordea Netbank.

PIN code and account
Daily spending limits, geographical restrictions and online payments
Card renewal and delivery methods
Invoicing and investigation of transactions

Daily spending limits, geographical restrictions and online payments

You can edit the security settings on your card in Nordea Mobile. Go to Overview, find the card you want to edit and select Settings. 

In Netbank, you can edit your security settings in Finances -> Cards. Select the card you want to edit and click on Card details to make the changes.

You can also edit your security settings in the Omaluotto service under ‘Credit account settings’ using your banking codes.

Learn how to use your card safely.

Card renewal and delivery methods

Replacing a damaged card 

  • In Netbank: Go to Finances > Cards. Select the card you want to renew and click on ‘Renew card’.
  • In Nordea Mobile: Select the card you want to renew and tap on Settings > Renew early.
  • Call Nordea Finance Customer Service. 

When your card is about to expire, you will be sent a new card automatically

Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card. 

Your new card will be delivered to your home address 

Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10. 

Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad.

You can terminate a card by informing Nordea Finance Customer Service of this in writing

If you want to terminate and cancel your card, you can do it digitally in the OmaLuotto service or by submitting a termination request. See further instructions on how to terminate your card. We recommend that all our customers have at least two cards. This way you are covered if you break or lose one of your cards.

Invoicing and investigation of transactions

Credit card transactions

  • Select your card on the front page of Nordea Mobile or Netbank. Here you’ll see a list of the latest transactions made with your card’s credit facility.
  • In Netbank you can check your latest e-invoice and look at your older credit card transactions by browsing older e-invoices. Log in to Netbank and go to Payments > E-invoices > History. On e-invoices you can also see card transactions older than 1 to 3 months. Your e-invoices will be stored in Netbank for 18 months.
  • In Nordea Mobile you can see your latest e-invoice. Log in to Nordea Mobile. Go to Payments and e-invoices, open your credit card invoice and tap 'Invoicer’s breakdown'.
  • In Nordea Finance’s OmaLuotto service.

Please note that the name of the seller under a card transaction may be different from the name of the creditor on your invoice in cases of restaurants and taxi companies, for example.

What does the 30-day interest-free payment period mean in credit cards? 

When you pay your purchases with your card’s charge and credit facility, you get an interest-free payment period of 30 days on average.

Example: buying a vacuum cleaner The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available. 

  • 1 April You buy a vacuum cleaner. 
  • 15 April Due date on the credit card invoice, on which you pay the invoice for the previous invoicing period (March).
  • 15 May Due date for purchases made in April, including the vacuum cleaner in this case. 

Invoicing period changes on 26 April. Any purchases made after this date will be invoiced in June. If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead.

What changes can I make independently to my card invoices? 

You can change the due date, the instalment percentage and the instalment-free months

  • in Nordea Mobile: select the card you want to edit and tap ‘Edit credit’.
  • in Nordea Netbank: go to Finances > Cards. Select the card you want to edit, and under the ‘Card details’ section, click ‘Edit credit’.
  • in OmaLuotto: go to section ‘Credit account settings’ (with online banking codes of any Finnish bank).

The instalment percentage may be 4–100% of the credit amount. The instalment-free months may not be consecutive. Please note that you cannot combine the instalment-free months with invoicing of equal-payment purchases. 

If you want to change the due date or instalment percentage on an invoice that has already been created, please call Nordea Finance Customer Service. The changes are subject to a fee set in our tariff.

See your credit card invoice for the invoicing period, monthly transactions and payment details. The breakdowns for e-invoices are available in Nordea Netbank and Nordea Mobile.

Can I choose to pay extra? 

You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice. Here are more specific instructions for different cards. 

You can easily pay off your full credit amount or a part of it in Nordea Mobile. Select your credit card on the front page and go to Pay and transfer > Used credit. Here you can set the amount you want to pay. Other details will be filled in automatically. 

You can also repay your credit card debt in Nordea Netbank. Select your card on the Overview page and click ‘Pay back’. Select the payment account and the repayment amount. Other details will be filled in automatically. Your repayment will show immediately. 

You can easily pay off your credit card debt whenever you want. You can see the current credit balance in Nordea Mobile and Nordea Netbank under your card details or in the OmaLuotto service.

You can easily pay off your credit card debt on the due date of the next invoice. See the invoice for the total credit balance and interest up to the due date.